BlastPoint's Credit Union Scorecard
U B C SOUTHERN COUNCIL INDUSTRIA WO
Charter #22219 · LA
U B C SOUTHERN COUNCIL INDUSTRIA WO has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 4.06% above tier average
- + Loan-to-Share Ratio: Top 3.0% in tier
- + Net Worth Ratio: Top 3.1% in tier
- + AMR Growth Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Member decline: -15.9% YoY
- - Member Growth Rate: Bottom 2.8% in tier
- - Total Deposits: Bottom 3.9% in tier
- - Total Assets: Bottom 4.2% in tier
- - Average Member Relationship (AMR): Bottom 4.5% in tier
- - Total Loans: Bottom 7.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits +1.6% year over year ($510K in shares and deposits).
- Membership: 338 members, -15.9% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 0.91%.
- Efficiency ratio 86.52% vs a 88.77% peer average.
- Loan-to-share ratio 100.31% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
338
-15.9% YoY+1.5% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Bottom 9.0% in tier |
| Assets |
$833,900
+0.5% YoY+4.1% QoQ
|
$-29.4M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.2% in tier |
| Loans |
$511,368
-9.0% YoY+0.8% QoQ
|
$-14.9M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.7% in tier |
| Deposits |
$509,765
+1.6% YoY+4.4% QoQ
|
$-25.3M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.9% in tier |
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| ROA |
0.9%
-28.7% YoY-16.1% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
8.0%
-7.0% YoY-2.7% QoQ
|
+4.1% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
Top 0.4% in tier |
| Efficiency Ratio |
86.5%
+2.7% YoY+1.2% QoQ
|
-2.2% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.5%
+148.6% YoY-26.3% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
100.3%
-10.5% YoY-3.4% QoQ
|
+41.4% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Top 3.2% in tier |
| AMR |
$3,021
+14.2% YoY+1.1% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.5% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)